Focus Group

Amos K., who is holding the sign, is the leader of this group of five borrowers called Focus. He is 32 years old single, and has two children who are between the ages of nine-months and three years. He was only able to attend school through 12th grade due to financial constraints.

For five years, he has been operating a foreign exchange bureau and selling phone cards in Thinkers' Village on the outskirts of Monrovia, Liberia. He plans to use his 6,000 Liberian Dollars portion of this 30,000 Liberian Dollars group loan to buy more phone cards.

He describes himself as determined man whose goals are to improve his business and continue to educate his children.

Additional Information

Note on LEAP:

During routine partner monitoring, Kiva learned that LEAP's delinquency data may be understated due to technical problems with their reporting software. Because this report is key to our analysis of the risk of this partner, delinquency or default rates on loans to this partner may be higher than we expect. For further details, see LEAP’s partner page on Kiva.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.